The selection was made by me personally and super-subjectively – but in contrast to most current account comparisons on the Internet, I use these accounts myself. How? You will find out in detail on this page!
a) Germany’s best current account
DKB Cash – free current account of the DKB
| Withdrawing cash through the DKB-card is in practice free of charge in more than 99 per cent of cases, because the DKB does not charge its customers any fees and takes the fees of foreign ATMs automatically. Only if an ATM charges a “direct customer fee”, this is subject to charge, as the DKB has no influence on that.
 Cash deposits are only free through the few DKB-owned machines.
[Z] At cash withdrawals in foreign currencies (journey abroad), the DKB does not charge the foreign transaction fee. It is expected that this will also be cancelled for card payments in foreign currencies!
How I use the DKB:
The DKB is my main bank since 2004. It is where I receive my salary payments, so I rejoice about pleasantly high credit lines. All payments that I make through the Visa Card remain free of interest until the automatic monthly settlement with the current account. Therefore, I have never paid expensive lending rates.
Due to the high credit lines (up to 3 times the monthly salary), the card is ideal for making deposits on journeys (hotel, rental car).
Some like the DKB Club a lot, because they automatically earn points through the card payments, which they can redeem later on for exclusive things.
Especially important: I love the freedom to withdraw cash free of charge (without having to locate specific cooperating partners) in Germany and abroad!
Three particularly popular articles about the DKB:
- DKB Cash with Visa Card – free of charge!
- 3 secrets for new DKB customers
- DKB Visa Card in the use abroad
b) Germany’s second best current account
Free current account of the Comdirect Bank
| Within Germany, one can withdraw money totally free at the ATMs of the Cash Group (Commerzbank, Deutsche Bank, Postbank etc.). Please use the Girocard for this. Likewise within the EU + Liechtenstein, Norway and Iceland. In the rest of the world, the withdrawals through the Visa Card are free. Here, free also means: there are no charges by the Comdirect – there can be direct customer fees through ATMs. The Comdirect has no influence on that either.
 Cash can be paid through the deposit machines or through the deposit counters of the Commerzbank. Three times per year, the Comdirect bears the charges, from the fourth time favourable Euros 1.90 will be charged per deposit.
How I use the Comdirect:
The Comdirect is my secondary current account to which I have also linked a securities account. Even without salary payments, you can get an overdraft facility at the Comdirect. This makes the use as a secondary account very pleasant. One does not have to be afraid of chargebacks due to insufficient funds!
Should the creditworthiness at the time of account application not be adequately documented by the information in the online application and additional information by the Schufa (credit investigation company), one can get the current account on a credit basis. The Visa Card is then issued in the prepaid version. Apart from the lacking of credit line, it has the same advantages as the normal Visa Card.
I particularly like to use the Comdirect current account on the road, because I really like the banking app because of the ease of operation – despite its huge scope of possibilities. I confirm the orders via mTAN. For this, I do not even have to leave the app, because my cell phone displays the contents of the incoming SMS line by line at the top of the screen.
In order to not have to pay roaming charges for incoming SMS abroad, one can switch to iTAN or photoTAN. All TAN-procedures are available parallel and free of charge.
I make cash deposits – which are rarely necessary – through the branch office of the Commerzbank, which is located in my home town.
Three particularly popular articles about the Comdirect:
- Explanation of the price listing: Withdraw free of charge with which card and where
- Open the current account in Germany and from abroad
- Comdirect & DKB: the differences
c) Germany’s third best current account
Free current account of the ING-DiBa
| The cash supply at the ING-DiBa is (almost) easy: Use the Visa Card for all cash withdrawals at the ATM. For this, the bank does not charge you any withdrawal fee. However, when withdrawing abroad in another currency, the foreign transaction fee of 1.75 per cent will be charged.
Additionally, you can withdraw cash free of charge within Germany at many places with the Girocard. This works as follows: Go to the 100 bank-owned ATMs or the checkouts of the markets Rewe, Penny, Toom or Netto Marken-Discount. Nevertheless, there you can get up to Euros 200 at a minimum purchase amount of Euros 20. Amounts from Euros 1,000 can be paid through the branch offices of the Reisebank. An appointment by phone is necessary for the provision!
 Cash can be deposited through the branch offices of the Reisebank. From a deposit of Euros 1,000, the ING-DiBa bears the incurring charges.
How I use the ING-DiBa:
My free current account at the ING-DiBa exists already since 2008. At that time, I have created it as an emergency account. This bank and account are quite outstanding for this purpose. Thanks to a proof of salary, one gets – provided the creditworthiness – an overdraft facility of triple the net salary without actually having to transfers the money to this account.
So I set up the most important bank accounts as order templates and also tested them. Works flawlessly.
Since I have deliberately set it up as an emergency account (e.g. if my main current account should get blocked due to online fraud or other reasons), I did not really use it yet. Except in 2009, when I took advantage of almost the entire overdraft facility for a few weeks.
This inactivity was no problem for the ING-DiBa. It sent me new cards for free timely before the expiration of the cards, which I then filed in my emergency folder.
I know people, who have been victims of complete account blockings, therefore the recommendation to you today: Set up an emergency account as a precaution to which you can switch immediately, if it should be necessary. The current account of the ING-DiBa is perfect for that!
Euros 75 start balance
My previously rare use of the account is also the reason, why there are hardly any articles about the ING-DiBa on our special portal. Should I try a few more things to expand this section?
The first two articles about the ING-DiBa:
- ING-DiBa with Giro + Visa Card ► free of charge!
- ING-DiBa current account as a completely underestimated option for German expatriates!
Which current account is the best one in Germany for you?
I am looking forward to your opinions – especially, if they are enriched with personal usage experiences. Please use the comments box at the bottom of this page for your commitment! 🙂
In order to boost the first opinions, I have recorded this short video clip. Do you like it?
Images: Trophy cup, fotolia.com